Tuyo Visa Card vs XPlace Card
Two crypto cards compared side by side on fees, limits, ID checks, phone wallets and ratings. Tuyo Visa Card scores higher overall (9.4 vs 8.6), but the better pick depends on what you need.
Tuyo Visa Card
by Tuyo
9.4editor score 7.5/10
Pick Tuyo if you want a card that
- ✓rated higher by users
- ✓cheaper to load
XPlace Card
by XPlace
8.6editor score 6.7/10
Pick XPlace if you want a card that
- ✓fits your country and coins
Side by side
| Tuyo | XPlace | |
|---|---|---|
| Editor score | 9.4/10Better | 8.6/10 |
| User rating | 7.5/10Better | 6.7/10 |
| ID check | ID verification | ID verification |
| Card fee | Free | Not listed |
| Monthly fee | Free | Free |
| Top-up fee | FreeBetter | 1% |
| FX fee | Free | Not listed |
| Daily limit | No stated limit | No stated limit |
| Cashback | None | None |
| Card type | Virtual and physical | Virtual and physical |
| Network | Visa | Mastercard |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| Coins | 2 | 2 |
Tuyo: pros and cons
- +Self-custodial, with up to 11% APY on deposits
- +No issuance, monthly or USD transaction fees
- +Deposits accepted from Ethereum, Base, Arbitrum, Optimism and Polygon
- +Free transfers to other Tuyo users
- −USDC only, so little choice of assets
- −No ATM withdrawals or PIN
- −Virtual card only for now, physical card still to come
- −KYC needed to get the card
XPlace: pros and cons
- +Credit mode allows spending without selling crypto
- +Rewards paid in BONK, PYTH and JUP tokens
- +XP system linked to a Q4 2026 token airdrop
- +Fairly competitive 1% FX fee on international purchases
- −Smart contracts have not been publicly audited
- −Credit interest rates not published
- −Based in Dubai, UAE, which raises regulatory questions
- −Annual membership fees on premium tiers
Questions
Is Tuyo Visa Card or XPlace Card better?
Tuyo Visa Card has the higher editor score (9.4/10). Tuyo rated higher by users and cheaper to load.
Which is cheaper, Tuyo or XPlace?
Tuyo charges free to open and free per top-up. XPlace charges an unlisted fee to open and 1% per top-up. The top-up fee matters most if you load larger amounts.
Do Tuyo and XPlace require KYC?
Tuyo: yes, id verification. XPlace: yes, id verification.
Do Tuyo and XPlace work with Apple Pay?
Tuyo works with Apple Pay and XPlace works with Apple Pay.